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About the Role
Mercury is building its first consumer credit card and is seeking a Senior Product Manager to define, launch, and grow the product. The role focuses on the credit account itself, including acquisition, application, underwriting, line management, rewards, and daily customer experience.
Responsibilities
- Build a card people put at the front of the wallet and recommend without being asked
- Take the card from zero to launch: decide what ships first, and carry it through program setup and compliance sign-off
- Make the approval the clearest and fastest in the category: underwriting owns the model, you own the application, the wait, and the answer
- Own how customers experience their line: an increase that feels earned, a decrease that is explained
- Own the proposition we take to customers, from rewards and redemption to pricing, and understand the economics that fund it
- Set the craft bar: sweat the details, copy, disclosures, latency, empty states, that decide whether a card feels inevitable rather than adequate
- Drive the use of AI where it makes the experience meaningfully better: spend that makes sense at a glance, problems surfaced before they are noticed
- Make correctness and trust product features: own balances, interest, minimum payments, and statements that reconcile, and be measured on them
- Grow the business: own acquisition, activation, retention, and the loops that compound, starting with the businesses Mercury already serves
- Align the ecosystem: bring engineering, design, data, risk, compliance, legal, marketing, support, and partners behind one cohesive plan for the card
Requirements
- A consumer product manager with taste: you have launched products people chose to use, and can point to the decisions that made them work
- 6+ years building consumer products, including at least one where money moved and errors were expensive
- Fluency in credit, or the capacity to acquire it fast: approval rates, line assignment, vintage curves, charge-off, interchange, and rewards liability
- An exceptionally high bar for craft, and a customer-centered, data-driven, and experimentation oriented approach
- You have shipped AI-led products to real consumers and have opinions about what AI makes possible and where it fails
- Exceptional cross-functional collaboration across engineering, design, data, risk, compliance, and partners
- Sound judgment in a regulated environment: you balance a delightful experience with the controls a credit product requires, and know which corners are never worth cutting
Skills
- AI-led products
- Consumer product management
- Credit
- Experimentation
- Data-driven approach
- Customer-centered approach
- Cross-functional collaboration
Location
- US employees (any location)
- Canadian employees (any location)
Work Type
- Full-time
Experience Level
- Senior
Salary/Compensations
- $200,700—$250,900 USD (US employees)
- $189,700—$237,100 CAD (Canadian employees)
Benefits
- Base salary
- Equity (stock options/RSUs)
About the Company
- In 1949, as Diners Club tells it, Frank McNamara finished dinner in Manhattan and found his wallet at home in another suit. His wife came down and paid. He returned to the same table the following February and settled the bill with a piece of cardboard, honored at twenty-seven restaurants and carried by two hundred people, most of them his friends. A year later there were 42,000.
- McNamara solved two problems at once. Acceptance: enough restaurants to make the card worth carrying, and enough diners to make it worth accepting. And credit: thirty unsecured days of it, on nothing but a signature. The networks settled acceptance decades ago. What is left is the credit, and the question of why someone carries this card rather than another one. That is this role.
- Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Equal Opportunity
- Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.